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Article
16
Jul 08

Steps for Getting a Guaranteed Lifetime Income

By Scott Burns Q. I am 73 and have investigated buying back the Social Security benefits I took at age 62. The buyback number is $158,529. My current monthly benefit is $1,231. A total buyback would give me a new monthly benefit of $2,019. This is a difference of $788 a month. My spouse is approaching...

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Article
16
Jan 08

Where to Learn More About Your Social Security Benefits

By Scott Burns Q: I just read your response to a reader concerning the impact of his Social Security benefits on his standard of living in retirement. How does one find out what the benefits will be? Sure, the government sends you a statement each year. But is there another source? For instance, how...

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Article
10
Oct 07

Why We’re All Confused about “Safe” Withdrawal Rates

By Scott Burns Q. You confused me recently in a column about safe rates of withdrawal. I am 68 years old and 80 percent invested in CDs. My CDs are currently paying between 5 percent and 5.5 percent. If I withdraw only 4 percent or 5 percent from my investments, I will have more money when I die than...

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Article
06
Dec 06

The Impact of Future Earnings on Social Security Benefits

Q: A recent column of yours answered an important question about Social Security. The annual statements regarding retirement payments are in constant dollars. Another question not addressed in those statements is: How does the amount of future earnings (and Social Security tax contributions) affect my...

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Article
15
Nov 06

Social Security, Taxes and Deferral

Q: I'm 34 years old and, despite my master's degree in public policy, a little confused by the numbers Social Security sends me in their little green and white "Social Security Statement" mailer. They say that if I retire at age 67, my payment would be $1,984 per month -- less if I retire early, more...

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Article
07
Jul 06

In Doubt about Social Security Benefits?

Q. In a recent column (June 2, 2005) a reader's question mentioned that part of his income was a Social Security check, as well as some part-time income of $36,000 per year. I am also receiving Social Security and was told by the Social Security Administration I could not earn more than $14,000 in any...

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Article
09
Jun 05

“Other Income“ and Social Security Taxation a Complicated Subject

Q. Your recent article on the taxation of social security benefits and "other income" was of special interest. I noted that house equity from the sale or refinancing of one's house is not considered other income. Is the income generated from a reverse mortgage included in the "not other income" category...

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Article
31
Mar 05

Rules of Thumb Aren‘t Meant To Be Precise

Q. My wife and I are in our mid seventies and are allocating our assets between stocks and bonds. A few years ago we decided that by the time we were 80 we should have 80% bonds and 20% equities. This method would now require a substantial move from stocks to bonds, which we don't want to do. In a column...

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Article
17
Mar 05

Spending Is only Part of the Social Security Problem

Q. Isn't the real problem with Social Security the fact that Congress (both parties) spent the money on "pork" for re-election? Could it be that the real purpose of Bush's privatization plan is to keep Congress's spendaholic hands off of it so something is actually there when we retire? ---H.D., Richardson...

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Article
16
Dec 04

For a Good Investment--- Delay Taking Social Security

Q. In a recent column, you advised J.N. to delay drawing his Social Security in order to increase the amount of Social Security he would have when he does finally hang it up. Why couldn't he go ahead and draw the Social Security at 65 and invest that money? I know he would pay taxes on the Social Security...

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